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The average interest rate changes depending on your credit score.
average interest rate
11.35%
maximum
25 million won
38th
Key Features
A first-tier government-backed loan that provides lower interest rates to customers who faithfully repay various government-backed loans.
loan interest rate
Minimum 6.64% per annum ~ Maximum 12.55% per annum (as of 2023.07.24)
– Base interest rate: Market base interest rate (financial bond AA+) 3.78% per year (3-month change), 3.84% per year (6-month change), 3.92% per year (12-month change) – Additional interest rate: 2.86% per year ~ 8.63% per year – Lowest : Loan amount 25 million won, loan period 5 years, credit rating JBCR level 1, variable interest rate (3 months), equal repayment of principle, living fund, guarantee ratio 90% – Highest: Loan amount 25 million won, loan period 5 years, credit rating JBCR 6-grade, variable interest rate (12 months), equal repayment of principle, living fund, guarantee ratio 90%※ Base interest rate: Market standard interest rate (financial bond AA+), variable for 3 months/6 months/12 months※ Additional interest rate is preferential interest rate , the policy discount interest rate is included, and the interest rate presented is the interest rate that includes the guarantee fee rate.※ Differentially applied according to customer credit rating.※ Korea Inclusive Finance Agency guarantee fee rate: 0.9% ~ 2.0% per year (guarantee rate: 90%)※ Guarantee fee rate reduction – – 1.0% point reduction per year for those eligible for social consideration (including recipients of earned income tax incentives and self-supporting workers) – 0.5% point reduction per year for low-income youth (but cannot be applied overlapping with those eligible for social consideration) – 0.1% point reduction per year for those who have completed financial education or consulting at Seogeumwon※ Low-income youth: If you are under 34 years of age at the time of application and have an annual income of 35 million won or less ※ Eligibility for interest rate reduction request: Eligible
loan limit
Minimum KRW 5 million ~ Maximum KRW 25 million (KRW 100,000 increments) ※ Differential depending on Citizens Finance Agency’s guaranteed CSS rating and degree of credit/debt improvement
loan period
3 or 5 years (including grace period)※ Grace period: Up to 1 year
Loan repayment method
Repayment in equal installments of principal and interest – Repayment in equal installments of principal and interest: A method of repaying the principal and interest in the same amount every month
How to apply
delinquent interest rate
Loan interest rate + 3% or less (maximum 15% per annum) – If one month has passed since the loan maturity date has passed or interest has to be paid, or if payment of the installment repayment principal and interest has been delayed more than two times in a row, the loan balance will be delayed. Compensation is charged. – If there is a delay in payment of interest and principal or loan repayment, a late compensation rate (agreed interest rate + 3%, maximum 15% per annum) is incurred. – If the agreed interest rate is higher than the delayed compensation rate, the agreed interest rate is applied.
Interest charging period
Interest is collected on the monthly interest payment date (repayment date cannot be changed)
Early repayment fee
Early repayment fee: exemption
Screening information
In the case of JB Sunshine Loan Bank, when documents are submitted with a certificate, they are automatically screened and if approved, the loan can be made immediately without the staff screening process. ※ In the following cases, automatic screening may not be applied. – Documents are not submitted properly. – Cases where employment information is inconsistent – Cases excluded from automatic review according to other internal regulations of the bank
How to terminate or renew a contract
Contract termination: Contract termination after completion through branch or internet banking Contract renewal: Not possible
How to calculate loan interest
Loan amount
Application conditions
Self-employed customers who meet all of the following conditions – Customers who can issue a credit guarantee from the Korea Inclusive Finance Agency – Users who have faithfully repaid policy microfinance products for more than 6 months (currently using the product or having completed the regular payment within the past 3 years) ※ Policy microfinance Financial products: New Hope Spore, Sunshine Loan 15, Sunshine Loan 17, Sunshine Loan Youth, Safety Net Loan, Safety Net Loan Ⅱ, Change Dream Loan, Microcredit, Employee Sunshine Loan, Business Sunshine Loan – Our credit rating (combined): 6-grade or higher customer
Conditions of employment – Salary earner: Period of employment for more than 3 months – Business income earner: Period of business operation for more than 3 months – Pension earner: Pension payment received at least once (public pension)
Income conditions – Annual income of 35 million won or less or in the bottom 20% of personal credit score and annual income of 45 million won or less
Required documents
Common documents: Resident registration, abstract, certificate of absence of guardianship registration, employment and income documents (issued within 1 month from the date of loan application) ① Salary earner: Certificate of employment, documents proving earned income ② Business income earner: Business registration certificate, documents proving business income ③ Pension Income earner: Pension beneficiary confirmation, pension receipt certificate
additional fee
Stamp duty: non-taxable
Notice
If the loan application information does not meet the bank’s standards, the loan may be rejected. Please read the product description and terms and conditions before concluding a contract. The above contents may vary depending on the application channel and screening results. Compared to the repayment ability If the loan amount is excessively used, your personal credit score may drop. A drop in your personal credit score may result in disadvantages related to financial transactions. If the principal and interest to be paid over a certain period of time are overdue, all principal and interest must be repaid before the contract expiration date. Obligations may arise. Loans may be restricted for those who are ineligible for loans determined by the bank and guarantee agencies, such as customers subject to credit management by financial institutions. The right to receive an explanation of the product in accordance with Article 19, Paragraph 1 of the Financial Consumer Protection Act. This material has been prepared in accordance with laws and internal control standards. For further information, please contact the Jeonbuk Bank website (www.jbbank.co.kr) or the Jeonbuk Bank customer center (1588-4477).
